No annual fee for 24 transactions per year
No fee with the Youth plan and Unlimited plan
With the “My DSK Points” loyalty program, you earn 1 point for every euro spent
No interest is charged if you repay the due amount within 45 days
* All Galaxy credit cards issued after December 1, 2023, may be exempt from an annual fee if a minimum of 24 transactions are made with each card within the period from the card's issuance to the first annual fee being charged, as well as for each subsequent calendar year. This condition applies to primary and additional Galaxy credit cards.
What benefits do I get?
- The card is offered in euros
- Interest is charged only on the used portion of the credit limit
- Option to deposit your own funds above the approved credit limit
- Free SMS notifications for transactions and revolving payment amounts due
- Fast, convenient, and secure online shopping through a 3D password created for your card
- Option to issue additional cards for yourself or a designated person
- Fast and modern payments through Android or iOS mobile wallets after adding the card via DSK Mobile
- No interest on POS purchases if the full outstanding amount reported on the due date is repaid
- No fee with the Youth plan and Unlimited plan
- With the “My DSK Points” loyalty program, you earn 1 point for every 1 euro spent
- Option for an interest-free credit period of up to 45 days
What bonuses do I receive?
“My DSK Points” Loyalty Program
With the “My DSK Points” loyalty program, you earn 1 point for every euro spent at POS terminals and online. You can monitor and redeem your accumulated points through DSK Mobile at any time. The equivalent value of 100 points is 1 euro.
With an active Unlimited plan, you can accumulate up to 15,000 points worth up to 150 euro per year
With an active Youth plan, you can accumulate up to 5,000 points worth up to 50 euro per year
Without an active daily banking plan, you can accumulate up to 10,000 points worth up to 100 euro per year
Maximum number of points per transaction: 500 points.
How can I avoid paying interest on the amount I have spent?
If you repay your entire outstanding balance within 15 calendar days after the due date, you will not owe interest on money spent on goods and services paid via POS terminal or online during the period between the last two due dates.
Visa Galaxy revolving credit cards | |||
|---|---|---|---|
| EUR | |||
| Standard loan interest rate | 18,90% | ||
| Interest rate when secured by a pledged bank deposit | 12,95% | ||
| Bonus upon repayment of the entire amount due for the reporting period | No interest in POS purchase amounts | ||
What are the credit card limits?
You can change your card limits free of charge at any time through your profile in the DSK Mobile app. The service is also available in our offices, in which case a fee applies according to the bank’s current tariff .
Transaction limits | Limits under General Terms | Maximum Negotiable Individual Limits |
|---|---|---|
24-hour cash withdrawal limit | 500 EUR | 5 000 EUR |
24-hour merchant payment limit | 2 500 EUR | 12 500 EUR |
Total 24-hour limit | 3 000 EUR | 12 500 EUR |
“Peace of Mind” Insurance for Credit Cards
With “Peace of Mind” insurance from Groupama, with DSK Bank acting as insurance agent for your credit card, you receive financial support in the event of unfavorable life events related to accidents.
Protects your financial resources in the event of life and health incidents
Active coverage with a 65-day grace period
Worldwide protection
Learn more here.
Frequently asked questions
Each month, on your selected due date (the 10th or 20th), the minimum repayment amount required for using the card is calculated. The minimum repayment amount is not a fee — it restores part of the used credit limit.
Important: You have 15 calendar days after the due date to pay the minimum repayment amount or repay your full balance.
Each month after the due date, the bank generates a statement showing:
- The minimum repayment amount you need to pay
- The payment deadline
- The total amount of utilized credit and transaction details
You can also obtain information about the minimum repayment amount through:
- DSK Mobile
- DSK Online
- Any DSK Bank branch
You can repay your minimum amount free of charge in one of the following ways:
- Through DSK Mobile
- Through DSK Online
- At any DSK Bank branch
- At a DSK Bank ATM
- Automatically from an account designated by you at the bank
The maximum annual bonus is:
- 10,000 points
- 15,000 points for Unlimited рlan clients
- 30,000 points for Premium рlan clients
- 5,000 points for Youth рlan clients
Cashback is not paid automatically - you can redeem it anytime through the DSK Mobile app. The functionality allows converting accumulated points into cash at any time.
How it works:
Go to “My Profile” → “My DSK Points” → “Redeem Points”, choose an account, and confirm the amount. The funds are transferred immediately after redemption.
Points are credited within up to 2 business days after the transaction is posted. Make sure the transaction appears in your account activity.
Points are awarded for every full euro spent (e.g., €1.99 = 1 point).
When redeeming points, the amount is usually transferred immediately, though in rare cases it may take up to 5 minutes. If the transfer fails, the points are automatically restored.
Check the accumulated points for the current year. They cannot exceed 10,000 points. If you have reached the annual limit, you will start earning points again next year.
Yes, accumulated points are preserved in case of card reissuance, theft/loss, renewal due to expiration, or blocking due to suspected fraud.
The maximum number of points from a single transaction is 500 points. If a transaction exceeds 500 euro, you will still receive 500 points.
Example: A 1,000 euro transaction earns 500 points.
You can temporarily block your card in one of the following ways:
Independently:
- Through DSK Mobile: go to “Cards” → tap the card image → “Temporarily Block”
- Through DSK Online: go to “Cards” → click “Block” next to the card name
With assistance from DSK Bank staff:
- By phone through the DSK Bank Contact Center: 0700 10 375 / *2375
- At any DSK Bank branch
Independently:
- Through DSK Mobile: “Cards” → select the card → “Activate”
- Through DSK Online: “Cards” → “Activate”
With assistance from DSK Bank staff:
- At any DSK Bank branch
You can reissue a lost/stolen card through:
Independently:
- Via DSK Online under the “Cards” menu:
- If the card is already temporarily blocked, click “Reissue”
- If the card is active, expand the card details and click “Reissue”
Choose whether to receive the new card at a DSK Bank branch or by courier.
With assistance from DSK Bank staff:
- By phone through the Contact Center
- At any DSK Bank branch
If the card has already been reissued, it cannot be reactivated. You must wait for the new card to be produced and delivered.
To temporarily block your card, see the answer to:
“I don’t know where my bank card is. How can I block it?”
To reissue your card, see the answer to:
“My bank card is lost/stolen. How can I reissue it?”
Visit a convenient DSK Bank branch, present your new identity document, and request that your card be reissued with your updated surname. You can choose to receive the new card at a DSK Bank branch or by courier to your address.
